VCU Athletics has in place an excess insurance policy for sports
accidents. This policy acts to supplement primary coverage that the
student-athlete or his/her parent or guardian may have. All charges
relating to approved medical services must first be filed with the
primary insurance carrier. Should the student-athlete not have
primary insurance, the VCU Athletics policy will cover the cost of
medical services.

REQUIRED DOCUMENTS
Each academic year, an updated Parent Information Form (insurance
information form) and a copy (front and back) of the athlete's
current Primary Insurance Card must be submitted to the Athletic
Department’s Insurance Coordinator.

COVERED SERVICES
Injuries experienced during play or practice of supervised
athletics activities on behalf of VCU Athletics are covered under
this NCAA-sponsored medical insurance program. Injuries incurred
while traveling as a member of a supervised group on an authorized
team trip on behalf of VCU Athletics are also covered.

DATES OF COVERAGE
All medical services must be approved by VCU Sports Medicine.
Notification of injury must occur within 72 hours of the accident.
Medical services are covered for 52 weeks from the date of the
accident.

NON-COVERED SERVICESPre-existing injuries or conditions and
non-VCU Athletics injuries and illnesses are not covered by this
policy. Medical treatment not approved in advance by VCU Sports
Medicine is not covered.

PROCEDURE FOR FILING
In order to file a claim with the VCU Athletics insurance policy,
the student-athletes must provide:
1) Itemized Statement of Services rendered by the medical
provider
2) Explanation of Benefits from the student-athletes’
insurance company noting the amount paid
3) The student-athlete will be required to complete an insurance
claim form with the Athletic Trainer.

Payment to the medical provider for approved
charges will be made directly by the VCU Athletics insurance
company.

HMO/PPO POLICIES
Student-athletes who have HMO/PPO policies are requested to
include their insurance company’s requirements for filing
claims along with the Parent Information Form submitted each
year.

NON-ATHLETICS INJURY
REFERRALS
VCU Sports Medicine can assist in making arrangements for medical
care. The student-athlete is responsible for all charges, including
any associated medication charges.

SECOND OPINIONS
A second opinion for an athletic injury may be obtained at the
request of the student-athlete provided authorization is obtained
from the Director of Sports Medicine. All costs associated with the
second opinion are the responsibility of the student-athlete.